How Good Is Marks & Spencer Pet Insurance? Reviews 2025
Our expert's opinion on Marks & Spencer
Marks & Spencer Pet Insurance, underwritten by Royal & Sun Alliance Insurance Ltd (RSA), is a longstanding UK provider offering tailored coverage for dogs and cats, with four main plans: Essential, Standard, Plus, and Premier. These range from basic illness/accident cover with a £3,000 limit (Essential) up to comprehensive, high-limit protection with international travel, therapeutic diet, and behavioral support up to £10,000/year (Premier). Annual reimbursement caps and modular options allow owners to tailor policies to breed, age, and medical need. Dental coverage, alternative therapies, and UK-wide 24/7 vet helpline (vetfone) are consistent across plans, with Premier adding extensive abroad cover and higher liability (£2,000,000). Franchise applies per claim and increases after age nine. Compared to leading players like Admiral, LV= and Aviva, M&S stands out for its substantial Premier option and added support services but falls short on basic plan limits and limited behavior cover outside Premier. This makes it best suited to pedigree or elderly pets, frequent travelers, or owners wanting robust, high-ceiling protection—especially if they value added advice lines—rather than those seeking low-cost, no-frills policies for young, healthy animals. RSA is a major UK insurer, securing solid regulatory grounding, though customer confidence on Trustpilot is notably low (2.0/5 from 583 reviews), often citing complex exclusions and claims frustration, despite prompt complaint-handling in some cases. Reported claim processing times average 2-4 weeks, in line with the market, but experiences may be inconsistent.
- ✅Wide choice of cover levels, up to £10,000 annual limit
- ✅All plans include 24/7 veterinary advice helpline
- ✅Premier covers travel, diet, behavioral and emergency boarding
- ✅Separate accidental death, loss, reward and publicity cover
- ✅High third-party liability limit for dogs (£2m on Premier)
- ✅Reputable insurer: RSA, FCA and PRA regulated
- ✅Comprehensive support: bereavement, legal, and vet advice
- ❌Customer satisfaction rated low (2.0/5 on Trustpilot)
- ❌Basic plans with modest cover, many standard exclusions
- ❌Additional excess applied for pets aged 9+
- ❌Overseas, diet and behavioral cover only on Premier
- ❌Complex claim process, strict condition exclusions
- ✅Wide choice of cover levels, up to £10,000 annual limit
- ✅All plans include 24/7 veterinary advice helpline
- ✅Premier covers travel, diet, behavioral and emergency boarding
- ✅Separate accidental death, loss, reward and publicity cover
- ✅High third-party liability limit for dogs (£2m on Premier)
- ✅Reputable insurer: RSA, FCA and PRA regulated
- ✅Comprehensive support: bereavement, legal, and vet advice
Our expert's opinion on Marks & Spencer
Score- ✅Wide choice of cover levels, up to £10,000 annual limit
- ✅All plans include 24/7 veterinary advice helpline
- ✅Premier covers travel, diet, behavioral and emergency boarding
- ✅Separate accidental death, loss, reward and publicity cover
- ✅High third-party liability limit for dogs (£2m on Premier)
- ✅Reputable insurer: RSA, FCA and PRA regulated
- ✅Comprehensive support: bereavement, legal, and vet advice
- ❌Customer satisfaction rated low (2.0/5 on Trustpilot)
- ❌Basic plans with modest cover, many standard exclusions
- ❌Additional excess applied for pets aged 9+
- ❌Overseas, diet and behavioral cover only on Premier
- ❌Complex claim process, strict condition exclusions
- ✅Wide choice of cover levels, up to £10,000 annual limit
- ✅All plans include 24/7 veterinary advice helpline
- ✅Premier covers travel, diet, behavioral and emergency boarding
- ✅Separate accidental death, loss, reward and publicity cover
- ✅High third-party liability limit for dogs (£2m on Premier)
- ✅Reputable insurer: RSA, FCA and PRA regulated
- ✅Comprehensive support: bereavement, legal, and vet advice
- Marks & Spencer Guarantees
- Exclusions from Marks & Spencer
- Marks & Spencer pricing
- Marks & Spencer Assistance
- Customer feedback on Marks & Spencer
- How to contact Marks & Spencer?
- FAQ
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Marks & Spencer Guarantees
Marks & Spencer Pet Insurance offers four tiers: Essential (time-limited), Standard (annual/condition), Plus (higher annual ceiling), and Premier (highest and most comprehensive), all underwritten by RSA. Annual vet fees cover from £1,000 to £10,000 depending on the plan, with Premier uniquely covering worldwide travel, behavioral issues, and therapeutic foods. All tiers require a per illness/accident deductible, with an additional excess as of pet's 9th birthday, and strict exclusions for pre-existing conditions, non-mandatory procedures, and veterinary care within the first 14 days. Strengths include a 24/7 vet hotline, flexible benefit caps, robust third-party liability, and exceptional annex benefits for loss/theft and owner hospitalization from Standard up. Notable gaps: no preventive care package, alternative therapies, or full US coverage, and most add-ons are reserved to Premier.
| Guarantee Name | Essential | Standard | Plus | Premier |
|---|---|---|---|---|
| Plan Positioning | Entry-level, time-limited per condition | Midrange, annual/condition cap | Upper midrange, annual ceiling (choice) | Premium, high ceiling, maximum protection |
| Type of coverage | Accident & illness per condition/time limit | Accident & illness, rolling annual cover | Accident & illness, rolling annual cover | Accident & illness, worldwide, travel add-ons |
| Covered animals | Cats & dogs, aged 8+ weeks at start | Cats & dogs, aged 8+ weeks at start | Cats & dogs, aged 8+ weeks at start | Cats & dogs, aged 8+ weeks at start |
| Reimbursement rate (%) | NC | NC | NC | NC |
| Annual vet fee reimbursement cap | £3,000 per condition (max 12 months) | £1,000/illness or accident, £4,000/yr max | £2,000 or £3,000/yr (selectable) | £5,000/£7,000/£10,000/yr (selectable) |
| Excess (per claim/annum/specify) | Per condition/event (amount NC), per animal | Annual and per accident/illness, per animal | Annual and per accident/illness, per animal | Annual and per accident/illness, per animal |
| Age min/max at subscription — cats | Min 8 weeks; Max NC | Min 8 weeks; Max NC | Min 8 weeks; Max NC | Min 8 weeks; Max NC |
| Age min/max at subscription — dogs | Min 8 weeks; Max NC | Min 8 weeks; Max NC | Min 8 weeks; Max NC | Min 8 weeks; Max NC |
| Medical questionnaire filed? | NC | NC | NC | NC |
| Waiting period for illness | 14 days (excludes pre-existing) | 14 days (excludes pre-existing) | 14 days (excludes pre-existing) | 14 days (excludes pre-existing) |
| Waiting period for accident | NC | NC | NC | NC |
| Lifetime cover once insured? | Renewable, subject to terms | Renewable, subject to terms | Renewable, subject to terms | Renewable, subject to terms |
| Vet consultations (routine, emergency, etc.) | Covered within fee cap | Covered within fee cap | Covered within fee cap | Covered within fee cap |
| Medications | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap |
| Hospitalization | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap |
| Ambulance costs | NC | NC | NC | 30p/mile for specialist referral |
| Surgery, anesthesia | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap |
| Scans, MRI, ultrasound | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap |
| Lab analyses | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap | Covered within vet fees cap |
| Radiotherapy | NC | NC | NC | NC |
| Dental care | Accident only | Accident & illness | Accident & illness | Accident & illness |
| Scale & polish | NC | NC | NC | NC |
| Preventive care allowance | Not included | Not included | Not included | Not included |
| Complementary treatments (hydro, etc.) | Up to £500/condition incl. vet cap | Up to £500/yr incl. vet cap | Up to £500/yr incl. vet cap | Up to £1,000/yr incl. vet cap |
| Holistic therapy (osteo, acupuncture, etc.) | Not covered | Not covered | Not covered | Not covered |
| Therapeutic food | Not covered | Not covered | Not covered | Up to £200/yr incl. vet cap |
| Covered territories / travel | UK, IOM, Channel Islands only | UK, IOM, Channel Islands only | UK, IOM, Channel Islands only | 3 trips/year abroad (max 60d/trip), vet cover |
| Death / cremation | £600 accident/maladie, £100 funerals | £600 accident/maladie, £100 funerals | £600 accident/maladie, £100 funerals | £1,500 accident/maladie, £200 funerals |
| Euthanasia | £100 | £100 | £100 | £200 |
| Theft, straying, search fees | £600 publicity, reward, theft | £600 publicity, reward, theft | £600 publicity, reward, theft | £1,250 publicity, £750 reward, £1,500 theft |
| Search expense/advertising | £600 max | £600 max | £600 max | £1,250 max |
| Emergency boarding (owner hospitalized) | Not covered | £60/week, up to £600 | £60/week, up to £600 | £70/week, up to £750 |
| Civil liability (dogs) | £1,000,000, £250 excess | £1,000,000, £250 excess | £1,000,000, £250 excess | £2,000,000, £250 excess |
| Behavioral therapy | Not covered | Not covered | Not covered | Up to £250 incl. vet cap |
| Quarantine fees | Not covered | Not covered | Not covered | Up to £2,000 abroad event |
| Cancellation/interruption of trip | Not covered | Not covered | Not covered | Up to £3,000, £50 excess |
| Rempl. health certificate loss abroad | Not covered | Not covered | Not covered | Up to £250 |
| Repeat parasite treatment abroad | Not covered | Not covered | Not covered | Up to £500 |
| Emergency expenses abroad | Not covered | Not covered | Not covered | Up to £500 |
| Overseas vet fees | Not covered | Not covered | Not covered | Up to £2,000 |
| Pet Boarding (hotel/shelter costs, non-medical) | Not covered | Not covered | Not covered | Not covered |
Good to know:
Deductible increases by £100 once the pet is over 9 years old on all plans. No cover for pre-existing conditions, elective/cosmetic treatment, non-mandatory vaccinations, or animals under 8 weeks at sign-up. Boarding/hospitalization of the owner is only covered on Standard and above. Dental is only accident-related on Essential, but covers illness on other tiers. Only Premier includes international travel and non-core (behavioral/nutrition) benefits. No wellness or preventive care allowance in any formula; homeopathy, dental cleaning, and alternative medicines are not covered.
Exclusions from Marks & Spencer
M&S Pet Insurance applies several standard exclusions across all policy tiers, notably pre-existing conditions, illnesses within the first 14 days, and non-compliance with mandatory vaccinations, but stands out by excluding all behavioral conditions except in the top Premier tier. Only the Premier formula extends to travel-related claims, therapeutic food, and overseas veterinary coverage; all lesser tiers categorically exclude any foreign treatment or costs linked to travel. Comfort or elective procedures (e.g., routine sterilisation, cosmetic surgery), use of the animal for professional, commercial, or breeding purposes, and any claims involving dangerous, banned, or hunting animals are strictly denied. Dental treatment is narrowly limited in the Essential plan (accidents only), and death-from-illness claims are not payable over age nine. Geographical restrictions are stringent: cover is strictly for the UK, Isle of Man, Northern Ireland, and Channel Islands, unless otherwise stated in the Premier policy.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (illness or injury prior to coverage) - Illnesses arising within first 14 days of policy - Behavioral/psychological issues (except in Premier) - Non-mandatory or elective treatments (e.g., routine neutering/spaying, cosmetic surgery) - Non-essential medical equipment - Diseases notifiable to authorities (e.g., rabies) - Trauma or illness due to deliberate acts - Illness-related death over age 9 |
| Vaccination & prevention failures | - Claims for conditions covered by required but non-up-to-date vaccinations - Infectious diseases where standard prevention protocols weren’t followed |
| Geographical/territorial exclusions | - No cover outside UK, Isle of Man, Northern Ireland, Channel Islands (unless Premier: up to 3 trips/year, 60 days each) - Veterinary and travel expenses overseas only in Premier (strict caps) - Costs incurred where transport/import restrictions (e.g., quarantine) apply and not included in Premier |
| Identification & eligibility | - Animals under 8 weeks at start not eligible - Breeds considered dangerous, banned, or used for hunting not covered - Use of pet for professional, commercial, or breeding activity invalidates claims - Death-from-illness claim not payable for animals older than 9 years |
| Administrative / procedural | - Claims for events occurring prior to policy inception - Insufficient or late claim documentation (<60 days after first treatment) - Claims resulting from owner’s misrepresentation/fraud - Boarding costs (except covered tiers) |
- Illnesses arising within first 14 days of policy
- Behavioral/psychological issues (except in Premier)
- Non-mandatory or elective treatments (e.g., routine neutering/spaying, cosmetic surgery)
- Non-essential medical equipment
- Diseases notifiable to authorities (e.g., rabies)
- Trauma or illness due to deliberate acts
- Illness-related death over age 9
- Infectious diseases where standard prevention protocols weren’t followed
- Veterinary and travel expenses overseas only in Premier (strict caps)
- Costs incurred where transport/import restrictions (e.g., quarantine) apply and not included in Premier
- Breeds considered dangerous, banned, or used for hunting not covered
- Use of pet for professional, commercial, or breeding activity invalidates claims
- Death-from-illness claim not payable for animals older than 9 years
- Insufficient or late claim documentation (<60 days after first treatment)
- Claims resulting from owner’s misrepresentation/fraud
- Boarding costs (except covered tiers)
Marks & Spencer pricing
Overall, Marks & Spencer offers a median price positioning for pet insurance in the UK market, balancing cost with a robust set of core guarantees. The Essential and Standard plans are competitively priced but more restrictive, featuring limited annual vet fee cover and few extensions, making them suited to budget-conscious owners with basic needs. Plus and, particularly, Premier formulas provide greater reimbursement ceilings, additional travel, dietary, and behavioral benefits, and higher liability cover—all at pricing that rises above the market average, reflecting this broader protection. Marks & Spencer does not follow a pure digital-only model; its operational structure blends banking and retail arms, which may not always translate into the cost efficiency seen with specialist online insurers. In summary, M&S Pet Insurance stands in a clear mid-market to upper-mid market space, offering good value on comprehensive coverage, with price rising in line with added guarantees.
| Essential | Standard | Plus | Premier | |
|---|---|---|---|---|
| Young cat (2–4 yrs) | £7/month | £10/month | £13/month | £22/month |
| Senior cat (7–8 yrs) | £11/month | £16/month | £21/month | £33/month |
| Small breed dog | £12/month | £16/month | £18/month | £27/month |
| Small breed dog (2–4 yrs) | £10/month | £14/month | £16/month | £24/month |
| Large breed dog (2–4 yrs) | £16/month | £22/month | £27/month | £40/month |
| Senior dog (7–8 yrs, all breeds) | £21/month | £32/month | £39/month | £55/month |
To get the best price for the coverage you need, compare multiple providers and request quotes tailored to your pet’s age and breed.
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| Marks & Spencer promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance deals.
How much will I be reimbursed with Marks & Spencer?
| Treatment | Average Price (US$) | Premier plan (highest coverage) |
|---|---|---|
| Spaying/Neutering | $400 | Not refunded (elective procedure, except if medically necessary). Remainder: $400 |
| Annual Vaccinations | $90 | Not refunded (preventive care not covered). Remainder: $90 |
| Dental treatment (illness/accident) | $700 | Refunded $700 (excluding deductible) Remainder: $0 (excl. deductible, up to annual limit) |
| Broken leg (surgery & care) | $2,500 | Refunded $2,500 (excluding deductible) Remainder: $0 (excl. deductible, up to annual limit) |
| Gastroenteritis (hospitalization) | $1,200 | Refunded $1,200 (excluding deductible) Remainder: $0 (excl. deductible, up to annual limit) |
Remainder: $0 (excl. deductible, up to annual limit)
Remainder: $0 (excl. deductible, up to annual limit)
Remainder: $0 (excl. deductible, up to annual limit)
Marks & Spencer Assistance
M&S Pet Insurance provides a comprehensive 24/7 veterinary helpline (vetfone), as well as specialist support services such as bereavement counseling and legal advice—valuable additions during critical moments for pet owners.
The absence of a fee advancement service (such as Payvet or Carecredit) and lack of a recognized digital claims management process can be a drawback compared to top-tier market competitors.
No mobile app is offered, and there is no seamless digital experience reported for submitting claims or tracking reimbursements, which can lengthen settlement times and constrain user convenience.
Emergency and medical care are accessible anytime by phone, but there is no integrated teleconsultation service or proprietary partner clinic network, limiting on-demand access options.
International coverage and travel-related assistance are reserved solely for the Premier plan, leaving lower-tier policyholders without overseas protection.
| Assistance Marks & Spencer | Disponible ? | Détails |
|---|---|---|
| Fee advancement | ❌ | No fee advancement solution like Payvet or Carecredit. Owner must pay vets directly and await reimbursement. |
| Payment facilities | ❌ | No mention of payment in installments or similar payment flexibility in official documentation. Full annual or monthly premiums only. |
| Mobile application | ❌ | No dedicated mobile app for claims or contract management. No app reviews or UX data available. All processes appear to be handled via website or phone. |
| Digital claims management | ❌ | No dematerialized claim process by app; claims require submitting documentation by post or via online portal (not stated as fully online). Settlement times may be impacted. |
| Veterinary emergency hotline | ✅ | 24/7 access to the vetfone telephone advisory helpline for emergencies and guidance. No video call or telemedicine; phone-only advice. Free and unlimited for all policyholders. |
| Veterinary partner/clinic network | ❌ | No proprietary or partner clinic network. Policyholders can visit any recognized vet, but no negotiated rates or convenience network. |
| Foreign coverage | ✅ | Only available under the Premier plan. Coverage applies during up to 3 trips/year (max 60 days/trip) within PETS-compliant countries; includes vet fees abroad, quarantine, and related expenses. Not available on lower plans. |
Customer feedback on Marks & Spencer
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 2.0 / 5 (583 reviews) |
We have analyzed the reviews from the site listed above. In terms of positive feedback, policyholders who have subscribed to Marks & Spencer animal insurance often mention:
- A responsive customer service: users report fast refunds and helpful responses during claims, either via chatbot or by customer advisors, occasionally highlighting individual employees for their dedication.
- A clear complaint handling process: reimbursement and issue resolutions are treated quickly when the issue is acknowledged, leading to some positive outcomes after disputes.
However, negative aspects also commonly arise:
- A perception of limited or unreliable coverage: several clients consider the pet insurance and other ancillary insurances not as comprehensive as expected or difficult to claim, sometimes resulting in frustration and unsuccessful claims.
- Difficulties during the claims process: some customers report delays, a lack of transparency, or lack of clarity in communications with the claims team, leading to doubts about the reliability of the coverage.
- Disappointing customer service in certain cases: users mention unresponsiveness or unsatisfactory support, with some issues unresolved or communications ignored after the initial contact.
- Overall negative brand reputation: general dissatisfaction with the company (based on product and insurance reviews) may influence the trust towards Marks & Spencer’s pet insurance.
How to contact Marks & Spencer?
| Marks & Spencer customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use HelloSafe's pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Contact M&S Pet Insurance claims service at 0800 980 8750. - Declare your claim within 60 days after the first treatment. - Provide: proof of purchase for the pet, receipts, invoices, vet statement, and any other required documents (hospitalization, theft/loss, etc). - The reimbursement is paid by bank transfer, usually within a few business days after validation. - Telephone assistance available for any follow-up questions. |
| To obtain an insurance certificate | Call M&S Pet Insurance customer service at 0800 980 8740. Specify your request for an insurance certificate; it will be sent (by mail or email, depending on your preference and available means). Have your policy number or pet’s information handy to facilitate processing. |
| To contact the assistance | Different numbers according to your needs: - 24/7 veterinary assistance (vetfone): 0800 980 5583 - Pet bereavement support: 0800 980 5581 - Legal advice: 0800 980 5580 - For any general questions about your policy: customer service 0800 980 8740 |
| To cancel my contract | Contact M&S Pet Insurance customer service at 0800 980 8740. - Send a cancellation letter (include your contact details, policy number, explicit cancellation request). Attach documentation if required (e.g. death or transfer certificate of the pet). - Notice may be required depending on your policy's annual due date (check your contract). - Postal address can be provided by phone or found on your insurance policy. - You will receive written confirmation. |
- Declare your claim within 60 days after the first treatment.
- Provide: proof of purchase for the pet, receipts, invoices, vet statement, and any other required documents (hospitalization, theft/loss, etc).
- The reimbursement is paid by bank transfer, usually within a few business days after validation.
- Telephone assistance available for any follow-up questions.
Specify your request for an insurance certificate; it will be sent (by mail or email, depending on your preference and available means).
Have your policy number or pet’s information handy to facilitate processing.
- 24/7 veterinary assistance (vetfone): 0800 980 5583
- Pet bereavement support: 0800 980 5581
- Legal advice: 0800 980 5580
- For any general questions about your policy: customer service 0800 980 8740
- Send a cancellation letter (include your contact details, policy number, explicit cancellation request). Attach documentation if required (e.g. death or transfer certificate of the pet).
- Notice may be required depending on your policy's annual due date (check your contract).
- Postal address can be provided by phone or found on your insurance policy.
- You will receive written confirmation.
FAQ
Do I have to pay the vet upfront with Marks & Spencer Pet Insurance?
Marks & Spencer Pet Insurance does not offer a direct payment or "payvet" system; you must pay the vet yourself first. After treatment, you submit your claim with all required receipts and medical documents. Reimbursement is made directly to you once the claim is processed and approved. Make sure to keep all original invoices and follow the procedure to avoid delays.
How can I cancel my Marks & Spencer pet insurance policy?
To cancel your Marks & Spencer pet insurance, contact their customer service by phone or in writing. You will need to give the required cancellation notice (usually a minimum of 14 days), include your policy number, and sign your request. Attach any supporting documents if requested, and check if any charges apply for early cancellation.
Can residents outside the UK purchase Marks & Spencer Pet Insurance?
No, Marks & Spencer Pet Insurance is only available for pets residing in the UK, Northern Ireland, Isle of Man, and the Channel Islands. The coverage is not valid for pets living in the US or other countries. If you live outside these regions, you should look for providers offering coverage in your area.
What coverage levels does Marks & Spencer offer and what’s included?
There are four coverage tiers: Essential, Standard, Plus, and Premier. Each differs in annual vet fee amounts, extra benefits, and travel cover. Only the Premier plan covers overseas vet bills and extras like therapy food, behavior treatment, and trip cancellations. All plans include 24/7 vet advice and liability cover for dogs, but have different annual limits and exclusions.
What are the main exclusions to be aware of with Marks & Spencer Pet Insurance?
Pre-existing conditions, illnesses within the first 14 days, non-mandatory vaccinations, elective and cosmetic treatments, and injuries from deliberate acts are excluded on all plans. Routine care and dental treatments are covered only after accidents (except on higher-level tiers, which include illness). Always read the policy carefully to understand specific limits for your pet and chosen plan.
Do I have to pay the vet upfront with Marks & Spencer Pet Insurance?
Marks & Spencer Pet Insurance does not offer a direct payment or "payvet" system; you must pay the vet yourself first. After treatment, you submit your claim with all required receipts and medical documents. Reimbursement is made directly to you once the claim is processed and approved. Make sure to keep all original invoices and follow the procedure to avoid delays.
How can I cancel my Marks & Spencer pet insurance policy?
To cancel your Marks & Spencer pet insurance, contact their customer service by phone or in writing. You will need to give the required cancellation notice (usually a minimum of 14 days), include your policy number, and sign your request. Attach any supporting documents if requested, and check if any charges apply for early cancellation.
Can residents outside the UK purchase Marks & Spencer Pet Insurance?
No, Marks & Spencer Pet Insurance is only available for pets residing in the UK, Northern Ireland, Isle of Man, and the Channel Islands. The coverage is not valid for pets living in the US or other countries. If you live outside these regions, you should look for providers offering coverage in your area.
What coverage levels does Marks & Spencer offer and what’s included?
There are four coverage tiers: Essential, Standard, Plus, and Premier. Each differs in annual vet fee amounts, extra benefits, and travel cover. Only the Premier plan covers overseas vet bills and extras like therapy food, behavior treatment, and trip cancellations. All plans include 24/7 vet advice and liability cover for dogs, but have different annual limits and exclusions.
What are the main exclusions to be aware of with Marks & Spencer Pet Insurance?
Pre-existing conditions, illnesses within the first 14 days, non-mandatory vaccinations, elective and cosmetic treatments, and injuries from deliberate acts are excluded on all plans. Routine care and dental treatments are covered only after accidents (except on higher-level tiers, which include illness). Always read the policy carefully to understand specific limits for your pet and chosen plan.
